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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cullman, AL · FDIC certificate #27118
PREMIER BANK OF THE SOUTH is an FDIC-insured institution based in Cullman, AL (FDIC certificate #27118). In its Q3 2026 Call Report it reported total assets of $382M, total deposits of $349M and net loans of $234M. Its primary federal regulator is FDIC.
Plain-language readout
PREMIER BANK OF THE SOUTH has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $382M in Q3 2026 and were lowest at $371M in Q2 2026.
Total deposits were highest at $349M in Q3 2026 and lowest at $337M in Q2 2026.
Over the whole period total assets rose 2.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $382M | $349M | $234M | 1.11% | 13.31% | 4.16% |
| Q2 2026 | $371M | $337M | $229M | 1.07% | 12.65% | 4.14% |
| Q1 2026 | $372M | $339M | $226M | 1.00% | 11.84% | 4.06% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $57.4M | $62.8M | -$5.5M | -8.7% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $70.2M | $69.1M | +$1.1M | +1.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $229.1M | $226.5M | +$2.7M | +1.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.1M | $7.1M | -$51K | -0.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $6.9M | $6.6M | +$353K | +5.4% |
| Total assets | $370.6M | $372.1M | -$1.4M | -0.4% |
| Liabilities | ||||
| Total deposits | $337.1M | $338.9M | -$1.8M | -0.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.9M | $1.7M | +$287K | +17.4% |
| Total liabilities | $339.0M | $340.5M | -$1.5M | -0.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $19K | $19K | $0K | 0.0% |
| Surplus | $9.0M | $9.0M | $0K | 0.0% |
| Retained earnings | $25.8M | $25.7M | +$14K | +0.1% |
| Accumulated other comprehensive income | -$3.1M | -$3.2M | +$72K | +2.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $31.6M | $31.5M | +$86K | +0.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $70K | -$70K | -100.0% |
| Adjusted nonperforming assets | $0K | $70K | -$70K | -100.0% |
| Tangible equity plus allowance | $34.3M | $33.9M | +$405K | +1.2% |
| Texas ratio (gross) | 0.00% | 0.21% | -0.21 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.21% | -0.21 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.65% | 2.99% | -2.34 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.07% | 15.76% | +0.31 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.07% | 15.76% | +0.31 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.21% | 1.05% | +0.17 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.29% | 16.81% | +0.48 pts | See points |
| Tier 1 leverage (approximate) | 9.37% | 9.29% | +0.08 pts | See points |
| Construction and land loans to total capital | 33.04% | 38.72% | -5.67 pts | See points |
| Commercial real estate to total capital | 66.81% | 73.13% | -6.32 pts | See points |
| Dividend payout, year to date | 85.17% | 69.67% | +15.50 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.97% | -9.18% | +0.21 pts | See points |
| Liquidity | ||||
| Core deposits | $323.2M | $326.3M | -$3.2M | -1.0% |
| Non-core funding | $13.9M | $12.5M | +$1.4M | +10.8% |
| Loans to core deposits | 71.71% | 70.10% | +1.61 pts | See points |
| Loans to deposits | 68.76% | 67.51% | +1.25 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 84.51% | 100.00% | -15.49 pts | See points |
| Loans pledged, share of loans | 16.70% | 35.17% | -18.48 pts | See points |
| Volatile liabilities | $13.9M | $12.5M | +$1.4M | +10.8% |
| Earnings | ||||
| Earnings before provision, year to date | $2.3M | $1.1M | +$1.2M | +104.6% |
| Earnings before provision, single quarter | $1.2M | $1.1M | +$52K | +4.6% |
| Provision for credit losses, year to date | $175K | $125K | +$50K | +40.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.93% | 6.88% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.72% | 3.27% | +0.45 pts | See points |
| Total interest income to average assets | 5.30% | 5.13% | +0.16 pts | See points |
| Cost of interest-bearing transaction accounts | 1.40% | 1.39% | +0.02 pts | See points |
| Cost of savings and money market deposits | 1.84% | 1.86% | -0.01 pts | See points |
| Cost of time deposits | 2.97% | 3.04% | -0.07 pts | See points |
| Total interest expense to average assets | 1.25% | 1.25% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $382M | $349M | $234M | 1.11% | 13.31% | 4.16% |
| 2026-06-30 | $371M | $337M | $229M | 1.07% | 12.65% | 4.14% |
| 2026-03-31 | $372M | $339M | $226M | 1.00% | 11.84% | 4.06% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $335.3M | 0.24% | 55 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.